Ge Long Hui·2025-12-02 07:37Core Viewpoint - The large-denomination time deposit products offered by major banks in China have shifted towards shorter maturities, with longer-term options being removed from availability [1] Summary by Category Product Offerings - The Industrial and Commercial Bank of China (ICBC) currently offers large-denomination time deposits with maturities of 1 month, 3 months, 6 months, 1 year, 2 years, and 3 years [1] - The interest rate for the 3-year large-denomination time deposit is 1.55%, while the rates for the 1-year and 2-year products are both 1.20% [1] - Other banks such as Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank exhibit similar trends, having removed 5-year products from their offerings [1] Market Trends - Agricultural Bank of China has not included any 5-year large-denomination time deposit products in its catalog from 2018 to 2025 [1]